Edgar Cruz

Hey, I know I haven't been as active in Skool as I've wanted to be. It's mostly because building NuLeaf Financial is a full-time job, and what I failed to realize was that building a community is a full-time job in itself. I have a vision of what I want NuLeaf Academy to be and honestly I'm still deciding on the best place to host it. It might be Skool or it might be somewhere else. But As a token of those who are still here, I have two things I want to give you 1) I might still use Skool but if I decide to go to another platform my promise is simple. Those of you who joined me in Skool will always have access, to what I put out in the education space for free. As a thank you token for believing in me. 2) Im hosting a call today mostly for my Credit Repair Inner Circle but I figured the Skool Squad may find it interesting. It's a breakdown of bankruptcy Chapter 7, the one that wipes away all your debt legally... If you qualify. I'm sharing the link with my Skool community as well. It's Tonight, December 16th at 7PM EST. Really hope to see you there 👋 https://zoom.us/j/4903615380

New comment 1d ago

Edgar Cruz

0 likes • 2d

@Michael Hornes ECOA only prevents discrimination against applicants on characteristics such as race, color, religion, national origin, sex, marital status, age or receipt of public assistance. If you disclose to them about a former bankruptcy because they ask (which you legally have to) they can and will take it into consideration Now if they don’t ask and you don’t disclose that’s a different story

Edgar Cruz

0 likes • 1d

@Michael Hornes you’re moving the goalpost. Originally you said they only take the report and the score and anything else would lean into an ECOA violation. Now you’re saying that they do take bankruptcy into consideration (which is my original point) and it’s an ECOA violation if they use the BK as the ONLY reason to deny you without taking everything else into consideration which is true but the original point stands They take bankruptcy into consideration.

Max C

Oct '24 in

💬| Community Questions

Card liquidation

Hello everyone. I’m looking to liquidate my business blue Amex. Any tips or pointers?

New comment 2d ago

Edgar Cruz

1 like • Oct '24

It all depends on what % you’re trying to pay and how aged the card is. For example you can use Cash App , Venmo or PayPal and pay the 3% fee but you also risk the card getting shut down because it might not be old enough or the relationship isn’t as established. This process takes a few minutes to liquidate. Theres other methods as well, i have a friend that liquidates cards for a living but that take a bit more time but WAY less risky. Lmk i can connect

Edgar Cruz

Jun '24 in

🥂| Community Wins

90% Discount On Chase Debt 🔥

Got this offer from a friend of mine for a Chase account for a 2 year old charged off account. Original balance was $39,617.52 and they were willing to settle for $3,961.76 which is basically a 90% discount AND they were willing to give him 4 months to pay it off meaning 4 installments of $990.44 Keep in mind the Statute Of Limitations on debt in the state where he’s from (NY) is only 3 years so that could have A-LOT to do with it. Remember what i said on my previous post, it’s not just about how much money you get from the banks, it’s about WHO you owe that money too 😉 Do you think Wells Fargo, American Express or TD bank would offer a similar discount? Doubt it.

New comment 2d ago

Edgar Cruz

0 likes • Aug '24

@Brad Cevallos he applied using an LLC but 99% of business accounts are PGd so most likely used his own info too

Edgar Cruz

0 likes • Sep '24

@Mic Dam i got you, So in this case client stopped paying chase 3 years ago because he couldn’t afford to keep making payments. Although regularly we are able to get 40-50% discount on the debt with 24 Months to pay it, Chase in this specific situation tried to sue client but by this point client had moved and the couldn’t find him. As a last minute attempt to settle the debt before the statute of limitations ran out on them (3 years in the state of NY) Chase sent an offer of 90% Although unusual case it’s really dope how debt works

Newaz Chowdhury

Sep '24 in

💬| Community Questions

credit bureau

which credit bureau/org gives the most accurate info on your credit score? Boa and credit karma show different numbers. One in 700+ range and other showing around 800.

New comment Sep '24

Edgar Cruz

1 like • Sep '24

The best way to get the most accurate credit score(s) is by visiting MyFICO. This will show you all your FICO scores from all 3 bureaus, don't be surprised if they're all different. Its just the nature of the game.

Max C

Jul '24 in

💬| Community Questions

Towers federal credit union

Any experience with towers federal credit union

New comment Aug '24

Edgar Cruz

0 likes • Aug '24

I’ve never personally dealt with them to be honest.

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